The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$21,721
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,396
−HK$687/mo
Today · 4.125%
HK$23,083
baseline
▲ 0.50% · 4.625%
HK$24,487
+HK$1,404/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,166/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,164
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,812
−HK$658/mo
Today · 4.125%
HK$25,470
baseline
▲ 0.50% · 4.625%
HK$26,812
+HK$1,342/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,940/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,065
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,876
−HK$823/mo
Today · 4.125%
HK$27,699
baseline
▲ 0.50% · 4.625%
HK$29,385
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,398/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,997
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,775
−HK$789/mo
Today · 4.125%
HK$30,564
baseline
▲ 0.50% · 4.625%
HK$32,175
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,128/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,409
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,355
−HK$961/mo
Today · 4.125%
HK$32,316
baseline
▲ 0.50% · 4.625%
HK$34,282
+HK$1,966/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,632/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,830
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,737
−HK$921/mo
Today · 4.125%
HK$35,658
baseline
▲ 0.50% · 4.625%
HK$37,537
+HK$1,879/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,316/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,097
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,314
−HK$1,235/mo
Today · 4.125%
HK$41,549
baseline
▲ 0.50% · 4.625%
HK$44,077
+HK$2,528/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$83,098/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,496
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,662
−HK$1,183/mo
Today · 4.125%
HK$45,845
baseline
▲ 0.50% · 4.625%
HK$48,262
+HK$2,417/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$91,690/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,561 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).